Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

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      Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

      Niva Bupa (Formerly known as Max Bupa) Health Companion family floater is a comprehensive and affordable plan. It is designed for individuals and nuclear families consisting of you, up to 4 children and your spouse. It offers a direct settlement of claims, cashless hospitalization, and lifelong renewal of health insurance plans. The policy comes in 3 variants and the sum insured ranged from INR 3 lakhs to 1 crore.

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      Sum Insured Amount:

      Sum Insured Options Variant 1: INR 3 Lakhs & INR 4 Lakhs

      Top Up Options with Annual Aggregate Deductible Option:

      •  INR 1 Lakh, INR 2 Lakhs, INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs & INR 10 Lakhs, INR 15 lakhs, INR 20 lakhs, INR 30 lakhs, and INR 50 lakhs.
      • Sum Insured Options Variant 2:  INR 5 Lakhs, 7.5 Lakhs, 10 Lakhs & INR 12.5 Lakhs
      • Top Up with Annual Aggregate Deductible Option: INR 1 Lakh, INR 2 Lakhs, INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs & INR 10 Lakhs
      • Sum Insured Options Variant 3: Sum Insured Options: INR 15 Lakhs, 20 Lakhs, 30 Lakhs, 50 Lakhs & INR 1 Crore
      • Top Up with Annual Aggregate Deductible Option: INR 1 Lakhs, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs & INR 10 Lakhs

      Features of Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

      The plan comes with the following benefits:

      • No age limit
      • Tax benefits
      • Lifetime policy renewal
      • Direct claim settlement
      • Cashless treatment
      • Free look period

      In-Patient Care Expenses

      The cost of medical treatment is paid off when you or any of your insured family members get hospitalized for the treatment. Following expenses are reimbursed/paid:

      • Option to buy a 2-year policy term
      • Hospital accommodation pre & post-hospitalization expenses
      • Refill benefit
      • All day care treatment costs
      • Alternative treatments
      • Renewal benefit
      • Emergency ambulance expenses
      • Organ transplantation costs
      • Optional hospital cash
      • Domiciliary treatment cost
      • Vaccination expenses after an animal bite

      Coverage under Variant 1, Variant 2 and Variant 3

      Coverage Variant 1 Variant 2 Variant 3
      In-patient care (hospitalization) For you and your family members For you and your family members For you and your family members
      Hospital accommodation All types of hospital rooms without capping (except above room category or suite) All types of hospital rooms without capping (except above room category or suite) All types of hospital rooms without capping (except above room category or suite)
      Pre & post-hospitalization expenses 30 days pre-hosp.60 days post-hosp 30 days pre-hosp.60 days post-hosp 30 days pre-hosp.60 days post-hosp
      All day care treatments covered Covered Covered Covered
      Refill benefit Covered Covered Covered
      Alternative treatments AYUSH treatment up to the base sum insured AYUSH treatment up to the base sum insured AYUSH treatment up to the base sum insured
      Renewal benefit NCB 20%Health Check-up once every2 years NCB 20%Annual Health Check-up NCB 20%Annual Health Check-up
      2 year policy tenure option 12.5% discount 12.5% discount 12.5% discount
      Emergency ambulances Up to INR 3,000 Up to INR 3,000 Up to INR 3,000
      Organ transplant Covered Covered Covered
      Domiciliary treatment Covered Covered Covered
      Vaccination in case of animal bite Reimbursement up to Rs. 2500 for OPD treatment Reimbursement up to Rs. 5000 for OPD treatment Reimbursement up to Rs. 7500 for OPD treatment
      Hospital cash (optional) Rs. 1000 Rs. 2000 Rs.4000

      Exclusions of Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

      The plan doesn’t cover the following medical expenses:

      • Ancillary Hospital Charges
      • Circumcision
      • Artificial life maintenance
      • Behavioral, Neurodegenerative and Neurodevelopmental Disorders
      • Alternative & Complementary Medicine
      • Conflict and Disasters
      • Hazardous Activities
      • Reconstructive and Cosmetic Surgery
      • External Congenital Anomaly
      • Rehabilitation & Convalescence
      • Dental treatment expenses
      • HIV, and AIDS related expenses
      • Eyesight & Optical Services
      • Experimental/Investigational or Unproven Treatment
      • Weight Control Programs
      • Unjustifiable hospitalization
      • Inconsistent diagnostic procedures
      • Non-medical expenses
      • Psychiatric and mental conditions
      • Off- label drug or treatment
      • Treatment received outside India
      • OPD treatment costs
      • Menopause and puberty related problems
      • Sleep disorders
      • Sexually transmitted diseases
      • Reproductive medicines or treatment method
      • LASER treatment, Robotic Assisted Surgery, & Light-based treatment
      • Substance-related and addictive disorders
      • Unlawful activities
      • Unrecognized physician or hospital

      Claim Process of Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

      Choose a hospital that is in your vicinity from the list of Niva Bupa (Formerly known as Max Bupa) network hospitals. It is suggested that you pick a hospital before 72 hours of the treatment.  To ease the identification process you need to carry the following documents:

      • Niva Bupa (Formerly known as Max Bupa) Health Insurance Card or Policy Number
      • Voters' Card
      • Passport
      • Driver's License
      • PAN Card

      The network hospital will carry out the validation process and will submit you pre-authorization process to the insurer. The decision will be communicated to the network hospital within 30 minutes in most of the cases.

      You can start with the treatment and after getting discharged you can sign all the forms, documents, and invoices. To ease the hospitalization procedure the insurer will assign a relationship manager to take you through the process. The insurer will pay off the hospital for all the pre-approved treatments (as per policy T&C).

      Claim Process for Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan for International Treatment

      You can select a network hospital and call at their International helpline number as mentioned in the policy documents. To facilitate the identification process and hospital admission process you need to furnish the listed documents:

      • Name of the policyholder/customer
      • Customer I.D
      • Policy number
      • Age Proof
      • Photo I.D proof
      • All the medical records
      • Contact number
      • Email ID
      • Diagnosis with medical investigation reports
      • Surgery/treatment advised by the treating doctor
      • Preferred date options for the treatment
      • Preferred hospital and country for the treatment

      Niva Bupa (Formerly known as Max Bupa)’s international claim team will give you a reference number after you have filed a claim. Once all the documents are approved and the claim is processed, our dedicated International claim team will take you through the international cashless hospitalization. Their health experts shall also monitor your health while you are undergoing treatment in one of the best international hospitals.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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